WO2008052114A3 - Systems and methods for user authorized customer-merchant transactions - Google Patents
Systems and methods for user authorized customer-merchant transactions Download PDFInfo
- Publication number
- WO2008052114A3 WO2008052114A3 PCT/US2007/082526 US2007082526W WO2008052114A3 WO 2008052114 A3 WO2008052114 A3 WO 2008052114A3 US 2007082526 W US2007082526 W US 2007082526W WO 2008052114 A3 WO2008052114 A3 WO 2008052114A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- user
- merchant
- transaction
- account
- systems
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
Abstract
Certain embodiments of the present invention provide methods and systems for user authorized transactions. Certain embodiments provide a method for facilitating user authorized transactions between a customer and a merchant. The method includes generating account information for a merchant for a transaction, the account information relating to payment of funds to a merchant in exchange for a good or service pending user authorization. The method also includes facilitating access to a user account to view transaction information for the transaction, the transaction information corresponding to the account information provided to the merchant. The method further includes authorizing payment from account for the transaction based on user approval following user review of the transaction information.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US86291706P | 2006-10-25 | 2006-10-25 | |
US60/862,917 | 2006-10-25 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2008052114A2 WO2008052114A2 (en) | 2008-05-02 |
WO2008052114A3 true WO2008052114A3 (en) | 2008-07-31 |
Family
ID=39325426
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2007/082526 WO2008052114A2 (en) | 2006-10-25 | 2007-10-25 | Systems and methods for user authorized customer-merchant transactions |
Country Status (2)
Country | Link |
---|---|
US (1) | US20080133408A1 (en) |
WO (1) | WO2008052114A2 (en) |
Families Citing this family (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7958030B2 (en) * | 2004-09-01 | 2011-06-07 | Visa U.S.A. Inc. | System and method for issuer originated payments for on-line banking bill payments |
US7998339B2 (en) * | 2005-12-12 | 2011-08-16 | Neste Oil Oyj | Process for producing a hydrocarbon component |
US20090089211A1 (en) * | 2007-10-02 | 2009-04-02 | Patricia Morse | System and method for person to person fund transfer |
GB2468817A (en) | 2008-01-15 | 2010-09-22 | Visa Usa Inc | System and method for data completion including push identifier |
US20110173122A1 (en) * | 2010-01-09 | 2011-07-14 | Tara Chand Singhal | Systems and methods of bank security in online commerce |
US9454648B1 (en) * | 2011-12-23 | 2016-09-27 | Emc Corporation | Distributing token records in a market environment |
JP6046765B2 (en) | 2015-03-24 | 2016-12-21 | タタ コンサルタンシー サービシズ リミテッドTATA Consultancy Services Limited | System and method enabling multi-party and multi-level authorization to access confidential information |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20010044787A1 (en) * | 2000-01-13 | 2001-11-22 | Gil Shwartz | Secure private agent for electronic transactions |
US20040243478A1 (en) * | 1996-09-04 | 2004-12-02 | Walker Jay S. | Purchasing, redemption, and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network |
US20050182724A1 (en) * | 2002-02-23 | 2005-08-18 | Wow! Technologies, Inc. | Incremental network access payment system and method utilizing debit cards |
US20060161490A1 (en) * | 1999-08-19 | 2006-07-20 | E2Interactive, Inc. D/B/A E2Interactive, Inc. | .Inserting value into customer account at point of sale using a customer account identifier |
Family Cites Families (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6950810B2 (en) * | 1994-11-28 | 2005-09-27 | Indivos Corporation | Tokenless biometric electronic financial transactions via a third party identicator |
-
2007
- 2007-10-25 WO PCT/US2007/082526 patent/WO2008052114A2/en active Application Filing
- 2007-10-25 US US11/924,302 patent/US20080133408A1/en not_active Abandoned
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20040243478A1 (en) * | 1996-09-04 | 2004-12-02 | Walker Jay S. | Purchasing, redemption, and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network |
US20060161490A1 (en) * | 1999-08-19 | 2006-07-20 | E2Interactive, Inc. D/B/A E2Interactive, Inc. | .Inserting value into customer account at point of sale using a customer account identifier |
US20010044787A1 (en) * | 2000-01-13 | 2001-11-22 | Gil Shwartz | Secure private agent for electronic transactions |
US20050182724A1 (en) * | 2002-02-23 | 2005-08-18 | Wow! Technologies, Inc. | Incremental network access payment system and method utilizing debit cards |
Also Published As
Publication number | Publication date |
---|---|
WO2008052114A2 (en) | 2008-05-02 |
US20080133408A1 (en) | 2008-06-05 |
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